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Personal Accident Insurance > What We Cover

Choosing your personal accident insurance couldn’t be easier. Select your own level of cover to suit you and your family’s needs.

It is flexible too, which means you can choose your level of cover to suit your changing lifestyle.

If the worst happens, we make sure that you and your family’s needs are provided for, it’s that simple.

Your personal accident insurance at a glance...
 
  I am covered for Comprehensive cover  
  Death Your family will receive a cash sum if you have a fatal accident.  
  Permanent disablement We'll pay out a cash sum according to your injury due to an accident.  
  Medical expenses We will help take care of your medical bills following an accident including dental and traditional chinese medicine.  
  Funeral expenses Your family will be reimbursed for funeral bills if you have a fatal accident.  
  House fitting In the event that you become disabled due to an accident, we'll help pay the necessary costs for your house to be modified to accommodate your needs.  
 
Your personal accident insurance in more detail
 
Worldwide cover
You are covered if the worst happens to you anywhere in the world.
   
Fatal accident
We’ll pay your family a cash sum if you have a fatal accident. The amount will be based on the plan you choose.
   
Medical expenses
We'll help pay your medical expenses following an accident including hospital stays, surgery, dental, x-rays, consultations and even treatment by a Chinese physician.
   
Funeral costs
Funerals can be costly which creates added stress for families. That’s why we cover you up to S$20,000 for funeral expenses to help ease any extra heartache.
   
House fitting if you become disabled
Renovating a home to accommodate someone who has been made disabled by an accident can cost thousands of dollars. Our policy will pay you up to S$20,000 to help you modify your home in Singapore so you and your family aren't burdened with trying to fund this.
   
Include family members
Our policy is flexible. For instance, if you get married or have a child you can add them onto your policy or take up extra cover.
   
Convenient
We don't carry out any time-consuming risk assessment on you. We make it simple for you to take out our cover for immediate peace of mind.
   
Sports and activities
We still cover you for some extreme sports so long as you're not competing. We're happy to insure you for activities such as scuba-diving and hang-gliding with qualified instructors, and trekking or hiking in extreme areas with an experienced guide. We'll also cover you for winter sports such as skiing or sledging so long as you're not competing as a professional.

We do cover you for competitions such as triathlons and marathons so long as you’re not competing as a professional.

For your peace of mind we also want to make it clear what’s not covered. We cannot cover you if you're involved in dangerous sports including rock climbing, caving, pot-holing, bungee jumping, sky diving, jet skiing, or white water rafting. Please refer to our Policy Details for more details on dangerous and risky activities.
   
Special family rates
We offer discounts when you take up cover for your family. That includes your spouse and a minimum of one child up to the age of 18. If your child is not married and still a full-time student then we'll cover them up to the age of 24.
   
Value for money
The price of protection comes cheap. You can enjoy full cover for as low as 18 cents per day. Less than it costs you to buy a cup of tea!
   
Read DirectAsia.com personal accident Policy Details for complete information including limits and conditions.
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88 South Bridge Road
Singapore 058716
Tel:
6665 5555

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Reinsured by Munich Re, one of the world's leading reinsurers.
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